Jaja Finance
Collections Strategy Analyst
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About Jaja
Our Mission: Empowering our customers to buy, borrow, and build—driven by tech, fuelled by data, and built for the future.
Our Company Values: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple
Jaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making.
We are on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration. Or as we say it, Make Simple.
We will delight our customers – making the customer experience simpler, more enjoyable, more intelligent – treating customers fairly and giving them more control of their money.
Why Join Us?
This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever.
We have a collaborative team structure fueled by an exciting mix of people, welcoming experienced people from the industry with both feet on the ground and tech-savvy dreamers who pave way for the new stuff. Come as you are and be yourself!
Collections Strategy Analyst
We're looking for a curious, data-driven analyst to join our Collections & Recoveries team. Working closely with the Collections Strategy Manager, you'll help design, test and monitor the strategies that determine how we support credit card customers in financial difficulty — from early delinquency through to charge-off and post-charge-off recoveries. This is a hands-on role: you'll spend a lot of your time in SQL and Python, building analysis pipelines, running champion/challenger tests and turning data into clear, actionable insight.
Credit Card Experience Is Preferred, But It's Not Essential.
What you'll do
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Strategy analysis & optimisation
Support the design and ongoing optimisation of collections strategies across all delinquency stages (pre-delinquency, 1–30, 31–60, 61–90+, charge-off and post charge-off). Analyse segmentation, treatment paths and forbearance options to identify improvement opportunities and translate them into clear strategy recommendations.
Test & learn programme
Help build and run a structured champion/challenger and A/B test programme across contact strategies, digital journeys, repayment options and strategy rules. Define success metrics, size tests correctly and produce statistically robust evaluation packs that drive confident decisions.
Data & MI
Build and maintain repeatable analysis pipelines, define consistent metric definitions and produce regular MI and performance packs covering key KPIs: roll rates, cure rates, promise-to-pay kept, contact and response rates, net loss and recoveries.
Portfolio monitoring & deep dives
Conduct regular portfolio monitoring and analytical deep dives — segmentation, vintage/cohort analysis, behavioural score performance and payment hierarchy effects — and present findings clearly, with prioritised recommendations for the Collections Strategy Manager.
Delivery support
Support the end-to-end delivery of strategy changes: help document decision logic and user stories, assist with UAT, support go-live monitoring and contribute to governance and audit requirements. Work with Operations, Credit Risk, Product and Data teams day-to-day.
What we're looking for
Data skills
knowledge data extraction, transformation and analysis. Comfortable with joins, window functions, cohorting and building repeatable pipelines.
Collections experience
Experience in consumer finance collections and recoveries, ideally including credit card. Familiarity with the delinquency lifecycle and key regulatory requirements including fair customer outcomes and vulnerability.
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Analytical mindset
Able to work with large, complex datasets and translate findings into clear insight. Understands statistical testing principles and can design and evaluate champion/challenger experiments soundly.
Communication
Can present complex analysis clearly and concisely to a range of audiences. Writes well, structures arguments logically and is comfortable producing performance packs and strategy documentation.
Pace & delivery
Comfortable working at pace in an agile, fast-changing environment. Can manage multiple workstreams simultaneously without losing attention to detail, and takes tasks through to completion.
Collaboration
Pragmatic team player who enjoys working cross-functionally. Can build good working relationships with Operations, Risk, Product and tech colleagues and asks good questions.
Nice to have
Experience working in a fintech or digitally-led lender with in-house decisioning and fast release cycles. Exposure to experimentation frameworks or formal A/B testing.
What's in it for you?
- The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever
- Competitive salary
- Pension contributions, including Salary Exchange facility
- Annual bonus potential
- Private medical cover provided by Vitality (optional benefit)
- 25 days annual leave (FTE) plus UK bank holidays (with an additional day added for each full calendar year worked, up to a maximum of 30 days).
- Your birthday off each year as an additional day's holiday
- 4x life insurance cover
- Access to our confidential Employee assistance programme
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